As a business leader, you spend your days identifying and solving issues.

But what about the issues that don’t rise to the surface? These unknown, non-urgent issues are what we refer to as hidden risks - and they exist in every business.

The Turtle Problem is when companies go into their shell and hide from these hidden risks, rather than proactively addressing them.

Turtles end up in The Insurance Dependency Trap.

Companies often ignore the hidden risks in their business because they think that buying insurance has them completely covered. This is what we call The Insurance Dependency Trap.

When you fall into the Insurance Dependency Trap, you:

- Don't have complete control of your business

- Have lower performance than you could have

- Erode the value of your business

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DE-RISKING helps you avoid

The Insurance Dependency Trap.

Leaders at high-performing companies recognize that there are hidden risks in their business that they must address. By addressing these risks, not only will they be covered from any adverse effects, but they'll be in a position to grow and prosper.

Companies that DE-RISK their business:

Have more control of their business

Achieve higher performance

Business increases in value

WHERE DO YOU

LOOK FOR

HIDDEN RISK?

LEADERSHIP

As a leader, it's your job to drive change and forward progress at your company. Some companies do this really well, while others have a hard time getting big initiatives accomplished.

CULTURE

Without a strong culture, nothing sticks. We'll focus on building a culture that engages drivers, leaders, and office staff.

OPERATIONS

Being able to execute is critical. Companies that have their operations performing at the highest levels outperform their competition.

LEARN TO DE-RISK>>>

BOOKS

AN ENTREPRENEUR'S GUIDE

The best leaders identify and address the hidden risks that exist in their business.

About Us

HNI is a performance-driven risk advisor that delivers insurance, benefits, and DE-RISKING strategies.

We work with ambitious leaders to break-free from insurance dependency and boost performance.

What problems do you solve?

We help you break-free from insurance dependency.

Put simply, insurance dependency is the result of a system that was built for the insurance companies - not for you. It is the lack of control you have over your cost of risk, how claims are handled, and everything else in between.

We work to help our clients break-free from insurance dependency by helping them de-risk their business and take back control.

Who do you work with?

We work best with mid-sized organizations that are on a mission to get better and grow. Specifically, we work with the Chief Business Builders – the individuals that have a passion for craftsmanship and building their business.

Although we work in many different industries, our largest industry groups are Transportation, Construction, Manufacturing, and Non-Profits.

Who aren't you a good fit for?

As a risk advisor, we are most successful when we have the opportunity to influence change and drive a long-term strategy with leadership teams.

Business leaders that are reactive and focus on 'low beam' activities, instead of driving towards a better long-term solution, end up frustrated with the lack of progress towards reducing insurance dependency.

Getting insurance quotes is important, but without a higher level strategy to de-risk your business you won't be able to drive down your insurance costs and reduce your dependency on insurance companies.

What makes you different?

In order to de-risk your business, you have to consider more than just safety and risk management. And the age-old 4-step risk reduction process isn't going to cut it either.

Our approach is known as Swarming. Swarming is for the wickedest problems - deep-rooted ones that frustrate leaders and hold companies back. It's an intense, cross-disciplinary collaboration where experts share their unique perspectives and challenge the status quo.

Can you demonstrate the results of your work?

We always strive to measure and quantify the value of our efforts. Our de-risking process includes a periodic 'Progress Report' which measures the results of our work.

We have offices in Illinois, Minnesota, and Wisconsin. You can find our contact info here.

WE DE-RISK BUSINESS

HNI works with high-performing companies to help them address the hidden risks in their business and avoid The Insurance Dependency Trap. This is done by proactively DE-RISKING their business so they can be less dependent on insurance.

HNI also offers the basic services of insurance and employee benefits. HNI has offices in Milwaukee, Chicago, and Minneapolis.